What is Collision Insurance Coverage?
Collision coverage is automobile insurance that protects drivers from financial loss due to motor vehicle accidents. Collision insurance coverage is typically an additional policy not included in liability protection.FunctionThe purpose of collision insurance coverage is to pay for damages to the insured person’s vehicle due to an automobile accident that is the insured’s fault. If the insured is not at fault for the accident, another type of insurance must cover the damages, such as comprehensive or liability coverage.Types of AccidentsCollision insurance covers costs of damage due to a two-or-more-car accident where the insured is at fault rather than the other driver or drivers. Additionally, the coverage will pay for damage to the automobile in instances where the insured hits an animal, such as a deer, a tree or any type of structure.LimitationsCollision insurance coverage does not cover damage due to theft, vandalism or natural disaster.DeductiblesMost collision insurance coverag
Collision coverage insurance is a program you can add to your insurance package that will repair your car if you caused an accident. It is not required by the state. The only time you would need this type of insurance is when you caused the accident. It the other driver causes the accident, their insurance company would pay to fix your car. If you are driving a old car you really don’t need full coverage or collision insurance.
